Should I buy Toast, Inc. (TOST) stock or is it too late?

Toast, Inc. · Financials · price $35

⭐ What the most reliable analysts say · those who beat their sector, targets replayed on real prices

⭐ The most reliable of them, either direction: RBC Capital — 77% of its targets hit on this sector (172 calls tested). It aims for $36 (+2.4 %), call made on August 6, 2026, maturing on August 6, 2027 (22 d ago).

The 13 reliable analysts $39+11 %

The 6 other firms $39+11 %

How to read it: the 13 reliable firms are not filtered by optimism — 10 aim above the price, 3 below, hence their $39 median. “The 6 others” are the firms that don't pass our reliability filter on this sector.

Firm-by-firm track record on Toast, Inc.

Here the hit rate is measured <b>on this stock specifically</b> (matured targets replayed against real prices, minimum 5 calls tested) — the green block above measures reliability <b>across the whole sector</b>, which is the criterion behind JPI selections. “Aims for” = the firm's most recent target on this stock; “—” means it hasn't published one recently.

Firm	% right	Gain vs sector	Calls	Aims for
Goldman Sachs	100 %	+62.8 %	5	$36 +2%
Mizuho	83 %	+24.2 %	6	$38 +8%
Needham	62 %	+22.1 %	13	$45 +28%
Morgan Stanley	59 %	+18.2 %	17	$56 +59%
Piper Sandler	70 %	-2.7 %	10	$39 +11%
Canaccord Genuity	40 %	-5.3 %	5	$54 +54%
Wells Fargo	27 %	-42.6 %	15	$40 +14%
Keybanc	58 %	+7.0 %	12	—

In short — Should you invest in Toast, Inc.? Is it too late, still worth it? Analysts are fairly positive (68% buy, median target $39, i.e. +11%), and the most reliable on TOST targets even higher. But it pays virtually no dividend. We give you both sides, with the numbers — not advice.

✅ Reasons to believe

68% of analysts rate it a buy (Buy consensus, 19 ratings) — a sign of market conviction.
Median price target $39, i.e. +11% from the current price ($35).
The most reliable firm on TOST, Goldman Sachs (100% hit rate, 5 scored calls), targets $36 (call made on July 9, 2026, maturing on July 9, 2027) (+2%) in its most recent call, and $41 (call made on October 13, 2025, maturing on October 13, 2026) (+17%) in the one coming due soonest.

⚠️ Reasons to hesitate

The consensus is not unanimous: of 19 ratings, 6 are neutral.
A 12-month target is not a guaranteed path: the price can fall in the meantime.
No dividend: your return depends only on price appreciation.

The analyst consensus on TOST

Median target $39 (+11%) · 19 ratings · Buy consensus

Strong Buy00%

Buy1368%

Hold632%

Sell00%

Strong Sell00%

⚠️ Information, not investment advice. Past performance does not guarantee future results. Analyst targets on a ~12-month horizon.

Frequently asked questions

Should you invest in Toast, Inc. now?

We won't decide for you. The facts: 68% of analysts rate it a buy, median target $39 (+11%), and Goldman Sachs (most reliable on TOST, 100%) targets $36. Weigh that against valuation. This is not personalized advice.

Is it too late to invest in Toast, Inc.?

Not according to analysts: the median target ($39) is still +11% above the current price ($35) (most reliable on TOST: Goldman Sachs, 100%). The real question isn't "too late" but the price-to-value gap and risk. Not advice.

Is Toast, Inc. still worth investing in?

It depends on the gap between the price ($35) and its estimated value: analysts target $39 on median (+11%), with 68% buys (most reliable on TOST: Goldman Sachs, 100%). Cross-check with their real reliability on TOST and the cautions above. Information, not advice.

What's the main risk in buying TOST?

The consensus is not unanimous: of 19 ratings, 6 are neutral.

→ Go deeper: the full Toast, Inc. profile (consensus, analyst reliability, price target, performance).